1 Spring Rd, Gardiner, NY 12525 Property Records

Ulster County and Gardiner Town property record for 1 Spring Rd, Gardiner, NY 12525

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,598 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jan 2014)
Tax Bill	$17,380 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`512400 85.3-1-46`

Property Details

APN / Parcel Number

Primary APN	`512400 85.3-1-46`
Alternative APN	`106705.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,598 sqft Living Area
1st Floor Area	1,894 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	43,560 sqft (1 acres)
Porch	Patio
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	106705.000
Street Address	1 SPRING RD
City	GARDINER
State	NY
Zip	12525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SP1
Legal Block	1
Legal Lot Number	46.000
Jurisdiction	ULSTER NY
Township / Civil Division	GARDINER
Census Block Group	3
Census Block	3001
Census Tract	954200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Trapps Mountain Hamlet Historic District listed 2000 · 58 contributing resources · NRIS 00001275

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1 Spring Rd is owned and occupied by two individuals who bought it in January 2014.

Source: Ulster County and Gardiner Town records, as of April 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1 SPRING RD, GARDINER, NY 12525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2024	Deed of Trust, Mortgage · Line of Credit ULSTER SAVINGS BANK
Sep 13, 2018	Deed of Trust, Mortgage ULSTER SAVINGS BANK
May 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ULSTER SAVINGS BANK
Apr 21, 2020	Loan Modification, Mortgage ULSTER SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2014 · Amount on File
Deed Sale	Jan 14, 2014 · Amount on File
Prior Sale	Aug 22, 2003 · Amount on File
Deed Book / Page	5700 / 162
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 SPRING RD, GARDINER, NY 12525
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013159
Date	Nov 26, 2024
Book Page	13411/146
Instrument	2024-13159

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 SPRING RD, GARDINER, NY 12525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012751
Date	Sep 13, 2018
Book Page	0000011646/0000000068
Instrument	000000012751

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ULSTER NY
Property Address	1 SPRING RD, GARDINER, NY 12525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005858
Date	May 4, 2020
Book Page	12053/208
Instrument	2020-5858

Lender

Name	ULSTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ULSTER NY
Property Address	1 SPRING RD, GARDINER, NY 12525
Document Number	0000005857
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPRING RD GARDINER NY 12525, GARDINER, NY 12525

Mortgage

Document Number	0000005857
Date	May 4, 2020
Book Page	006596/000186
Instrument	5857

Lender

Name	ULSTER SVGS BK
Type	Federal Savings Bank
Address	KINGSTON, NY 12401

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1 Spring Rd was $17,380, up 2.9% from the year before.

Source: Ulster County and Gardiner Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ulster County
County Subdivision	Gardiner Town
Unified School District	New Paltz Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,380.00 (+2.88%)	$550,000 (-) Land $68,000 Building $482,000	$956,522 (+7.83%) Land $118,261 Building $838,261
2024	$16,894.00	$550,000 (-) Land $68,000 Building $482,000	$887,097 (+8.06%) Land $109,677 Building $777,420
2023		$550,000 Land $68,000 Building $482,000	$820,896 Land $101,493 Building $719,403

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1 Spring Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective April 5, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (2005–2022)
Claims Outside the SFHA	9 of 11
Most Recent Claim	Apr 2022 · river or lake flooding
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims Hurricane Irene, Aug 2011 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Spring Rd is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 99.7% of New York
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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